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Best Homeowners Insurance Agencies in Lees Summit

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Cook Insurance Agency, Inc. logo
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Cook Insurance Agency, Inc.

Lee's Summit, MO
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  • Condos
  • Fire
  • Earthquake

Business Description

Cook Insurance Agency Inc. is a Lee's Summit insurance firm that handles homeowners policies and claims. The business offers an online portal for customers to file claims and make account changes, and it partners with multiple carriers for rate comparisons. Common coverage options for homeowner policies include home protection in the event of fires and wind damage, personal liability for injuries that occur on homeowner property, and additional living expenses when damages deem homes unlivable for extended periods of time.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Epic Insurance, LLC logo
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Epic Insurance, LLC

4045 Northeast Lakewood Way, Lee's Summit, MO 64064
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  • Multiple Policy Types

Business Description

Epic Insurance, LLC is a full-service insurance agency in Lee's Summit that assists homeowners with purchasing and maintaining policies. The company provides individually tailored homeowners insurance policies to meet the needs of each client, with areas of coverage that include natural disasters, fires, theft, and damage due to tornadoes and hail storms. Epic Insurance's agents provide guidance on matters such as coverage gaps and potential duplications, and the business offers a virtual tool on its website for customers to obtain estimated quotes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (29)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jim Hubbard Insurance logo
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Jim Hubbard Insurance

1475 Southwest Market Street, Lee's Summit, MO 64081
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  • Multiple Policy Types

Business Description

Jim Hubbard Insurance is a family-owned independent insurance agency in Lee's Summit that has been providing personalized services for over a decade. Representing over a dozen insurance carriers, it aims to help clients choose the right home insurance with competitive coverage. Standard home insurance coverage policies include dwelling, personal property, liability, medical payments, and loss of use. Jim Hubbard Insurance also offers auto, commercial, life, motorcycle, and boat insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (184)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Michael Oehrke - State Farm Insurance Agent logo
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Michael Oehrke - State Farm Insurance Agent

900 Southwest Oldham Parkway, Lee's Summit, MO 64081
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  • Multiple Policy Types

Business Description

Michael Oehrke - State Farm Insurance Agent is a full-service insurance broker in Lee's Summit that handles homeowners policies. In business since 2002, Mr. Oehrke helps local homeowners and those relocating to Jackson County with obtaining cost-effective policies. Depending on customer needs and budgets, homeowners policies may include coverage for fire damage, weather and natural disaster damage, property loss and theft, and personal liability. Additionally, the company's website features an online portal for customers to file claims and make payments.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.4 / 5 (27)
Facebook
4.5 / 5 (15)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Middleton Insurance Services logo
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Middleton Insurance Services

701A South Broadway, Oak Grove, MO 64075
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Middleton Insurance Services is a full-service insurance agency that helps customers in obtaining cost-effective homeowners policies. The business partners with a wide network of insurance carriers to find the best policies to suit specific homeowner needs. Policies vary per customer, and areas of coverage can include water damage due to interior or exterior flooding, fire damage, and damage caused by break-ins and vandalism. Additionally, Middleton Insurance Services provides an online claim portal for customers to report losses and file claims.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Morehead Agency LLC logo
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Morehead Agency LLC

519 SW 3rd St ste c, Lee's Summit, MO 64063
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Based in Missouri, Morehead Agency LLC is an insurance firm offering insurance services and products to residents of Lee's Summit. Established in 2005, it has a team of seasoned agents with decades of industry experience. It provides homeowners' insurance policies for homeowners' liability, landlords' insurance, and scheduled property insurance. Its homeowners' liability coverage includes claims for other's property damage, claims for injury, liability defense cost, and medical expenses for injuries to others. It also provides personal umbrella, identity theft, and Powersports vehicle coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.1 / 5 (14)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Insurance Groupe logo
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The Insurance Groupe

905 F Southeast Langsford Road, Lee's Summit, MO 64063
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  • Multiple Policy Types

Business Description

The Insurance Groupe is a full-service, independent agency based in Lee's Summit that offers homeowners, auto, and liability insurance policies. It gives personalized services to clients, helping them customize home insurance policies with varying coverage options from top companies. The agents explain the home insurance coverage and how clients can obtain maximum financial protection against disasters. The Insurance Groupe also offers business and life insurance policies. It is affiliated with the Independent Insurance Agents & Brokers of America.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (37)
Yelp
2.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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